The most direct way to bypass carrier contracts is to buy an unlocked phone from the manufacturer and use their third-party financing partners.
I bought my phone (pixel 6) two years ago, refurbished. I use Mint Mobile, which lets you pay for your monthly service up front 3/ Mint Mobile
Some no-contract carriers now allow you to pay for a phone in installments, though they may require a credit check or a "lease-to-own" agreement. Mint Mobile
Major retailers offer their own monthly payment plans for unlocked devices that work on any network.
The most direct way to bypass carrier contracts is to buy an unlocked phone from the manufacturer and use their third-party financing partners.
I bought my phone (pixel 6) two years ago, refurbished. I use Mint Mobile, which lets you pay for your monthly service up front 3/ Mint Mobile
Some no-contract carriers now allow you to pay for a phone in installments, though they may require a credit check or a "lease-to-own" agreement. Mint Mobile
Major retailers offer their own monthly payment plans for unlocked devices that work on any network.